This priceless archive has been compiled by Raymond Andreson and built up by the "Evening Express" and its sister paper, "The Press and Journal". The lives of the folk of Aberdeen have been faithfully recorded in photographs since the end of the 19th century. It is a beautiful and fascinating collection of images that will captivate both locals and tourists alike. For more than a hundred years their photographers have been capturing the special character - and characters - of Aberdeen on glass slide and film. The momentous and the mundane. With the passage of time, even the most straightforward picture of a street scene takes on special significance. The immense amount of rebuilding in Aberdeen this century has seen hundreds of streets disappear, but the memories of the people who inhabited them remain today, ready to be rekindled by a photograph. Part of the magic of these captured moments is that in many cases they are the only records that remain - certainly no movie records exist. The tremendous pride Aberdonians have in their sturdy granite city is reflected in the continuing popularity of the historic flashback photographs carried weekly in the "Evening Express". So here, by popular request, are 350 images of the Silver City from the turn of the century. A time when Aberdeen underwent the most dramatic changes in its history.

This title is originally published in 2003 and reprinted due to popular demand. It features over four hundred images showing not only the housing and architecture of the 1970's but also the fashions, events and moments in time that made the seventies so unique. It is a nostalgic account, sure to spark recognition with locals of the time. The 1970s is now far enough away to deserve a retrospective look. The children of that era have grown to adulthood and have a special feeling for that very distinctive decade. For the city of Aberdeen the 1970s was indeed a time of change. North Sea oil came ashore and the city adapted to the benefits and challenges of being the oil capital of Europe. As well as recording those unique times for the North-east, this book's 400 images show the fashions, the growth of housing suburbs around Aberdeen, the protests and unrest. It gives us the big moments and the little quirky events that were a part of what made the 1970s so special. We do not claim this collection to be the definitive or comprehensive account, rather a series of snapshots that it is hoped will connect with the people of the North-east and spark recognition, pleasure and nostalgia.

Credit scoring aims to quantify the likelihood of a prospective borrower defaulting on payment over a specified period of time. The credit score is calculated using increasingly sophisticated statistical models, which vary considerably between individual cases. This clearly-written and comprehensive text covers the scorecard development process and provides a practical how-to guide for those wanting to use and develop credit scoring techniques.
Assuming little prior knowledge, the text includes the relevant statistical and mathematical tools, numerous real-life examples, and discussion of the credit risk management cycle and the importance of credit scoring in business and regulatory environments, including Basel II.
An extensive glossary and bibliography make this an indispensable desktop reference for graduate students in statistics, business, economics and finance, MBA students, credit risk and financial practitioners.